simpleFIRE vs FireCalc Retirement Calculator

simpleFIRE puts three FIRE calculators in your pocket, with Monte Carlo and historical backtesting built in. Move a slider and see what you'll have, when you can stop working, and how long your money will last. PROJECTION Start with what you have, add what you invest each month, pick a period and an expected annual return. Watch your portfolio compound year by year, with your contributions and the interest they earn side by side. TIME TO FI Set your FI target and see the month you reach it, the passive income it pays, and how far along you are each year. Not sure of your number? Start from what you spend and the app suggests one. DRAWDOWN Start living off your portfolio and see how long it lasts: the month it would run dry, what you withdraw along the way, and whether your returns keep up with your withdrawals. MONTE CARLO, HISTORICAL OR FIXED RATE — YOUR CHOICE Markets never pay the same return twice. Switch any calculator to Monte Carlo and the app runs 5,000 simulations of your exact plan, updated live as you move a slider. Prefer real data? Historical backtests your plan the way the Trinity study tested the 4% rule: through every period of real S&P 500 and US Treasury returns, with the inflation each year actually brought. Or keep it simple with a fixed rate. Set your mix of stocks and bonds with one slider and read every answer as a plain chance: what you'll have, when you'll reach FI, how long your money lasts, and the odds it lasts as long as you need. EVERY NUMBER, EXPLAINED Every result starts with the question it answers. Tap it for the full picture: a chart you drag through year by year while the numbers follow your finger, contributions and interest for every year, the year your money starts earning more than you add, and every assumption behind the result. Inflation is one tap away: see any result in today's money or as your account will show it. About in Settings explains how every number is calculated and where the market data comes from. PREMIUM — ONE PAYMENT, NO SUBSCRIPTION - Time to FI and Drawdown - Monte Carlo and Historical, with your own stocks and bonds mix and the chance you plan with - Saved profiles: keep several plans and switch in a tap - Calculation settings: inflation, contribution frequency, timing and yearly increases, withdrawal timing, compounding, withdrawal rate, planning horizon - PDF and image reports: share a clean summary of any plan Projection is free and stays free. No ads anywhere in the app. PRIVATE BY DESIGN No account, no sign-in, no tracking, no analytics. Your numbers stay on your device, every simulation runs on it, and the app asks for no permissions. Built for iPhone and iPad, and it runs on Mac too. Six languages, dark and light themes, your currency, your number format. simpleFIRE gives you estimates based on the assumptions you set and on past market data, which does not guarantee future returns. It is a calculator, not financial advice. EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

FireCalc projects your path to financial independence and early retirement. Model your portfolio, test it against 1,000 simulated market outcomes, and see how long your money lasts. It works fully offline, with optional cloud backup when you want it. WHAT IT DOES • Simple 4% rule projection — your FIRE number and a year-by-year forecast in today's money • Monte Carlo simulation — 1,000 simulated market paths estimate how often your plan succeeds, with median and 10th/90th percentile outcomes • Progress check-ins — log your net worth over time and watch the gap to your FIRE number close, with a projected FI age • Sequence-of-returns visualizer — see how retiring just before a downturn (1929, 1966, 1973, 2000, 2008) would affect the same plan • Withdrawal strategies — Fixed-Real (safe withdrawal rate), Guyton-Klinger guardrails, and Variable Percentage Withdrawal (VPW) • Coast FIRE and Barista FIRE modes • Regional retirement accounts — UK SIPP/ISA, US 401(k)/IRA, Australian Super and more, with tax-treatment notes • Income and expense streams — pensions, rental income, mortgages, care costs • Compare two scenarios side-by-side • State-pension assumptions for the UK, US, Australia, Canada, Germany, Ireland and New Zealand • CSV export of your full year-by-year projection • Optional cloud backup and restore of your scenarios and check-ins HOW IT WORKS Enter your age, savings, contributions and the income you want in retirement. FireCalc gives you a FIRE number and a year-by-year projection in today's money. Run the Monte Carlo simulation to see how often that plan survives across 1,000 market paths, then open the sequence-of-returns view to see what a bad first decade does to it. Log a check-in each month and the app tracks the gap to your number. WHO IT'S FOR • People planning early retirement or financial independence • Anyone weighing "what if I retire at X?" trade-offs • UK, EU, US, AU and Canadian savers who want regional account support • DIY investors who want transparent math — every method is documented in-app IMPORTANT FireCalc is a calculator, not financial advice. Projections are hypothetical and depend entirely on the assumptions you enter. Return statistics are summary figures derived from publicly reported long-run market history; past performance is not a reliable indicator of future results. Tax, pension and account rules are simplified estimates and may be out of date. Confirm with a qualified, regulated financial adviser before making decisions. YOUR DATA Scenarios, accounts and check-ins are stored on your device. Cloud backup is optional and off until you turn it on. SUBSCRIPTION AND PURCHASE TERMS FireCalc Pro is available as an auto-renewing monthly or yearly subscription, or as a one-time Lifetime unlock, which does not renew. Current prices are shown in the app before you buy. Pro lifts the limits on saved scenarios, Monte Carlo runs and progress check-ins, adds cloud backup, the sequence-of-returns visualizer, the Guyton-Klinger and VPW strategies, regional accounts, Coast and Barista modes, scenario comparison and CSV export, and removes ads. Everything you have already created stays readable whether or not you subscribe. The limits apply only to new entries. Subscriptions are charged to your Apple Account at confirmation of purchase and renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period. You can manage or cancel a subscription in your Apple Account settings. Terms of Use (EULA): https://clearstackapps.com/terms Privacy Policy: https://clearstackapps.com/privacy Contact: support@clearstackapps.com